How to Find Cheap Ford Explorer Insurance Quotes

Ford Explorer insurance rates cost $109 per month ($1,308 per year) on average. Finding Ford Explorer teenager insurance coverage can cost on average $4,781 a year, so shop around to find cheap rates.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Jun 27, 2020

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Key takeaways:

  • Full coverage costs around $1,308 a year or $109 each month
  • A liability-only policy costs around $524 a year or $44 each month
  • Highest rates are for teenage drivers at around $4,781 a year or $398 each month
  • Good drivers can save as much as $539 a year by earning policy discounts
  • Ford Explorer insurance costs around $211 less per year than the average vehicle

Ford Explorer insurance rates are $211 cheaper than the average vehicle. You can pay as low as $109 per month for full coverage insurance. Teen drivers could pay up to $400 per month for Ford Explorer insurance rates. Continue reading to learn how you can save $539 per year on Ford Explorer insurance rates.

You can start comparing quotes for Ford Explorer insurance rates from some of the best auto insurance companies by using our free online tool now.

Ford Explorer Insurance Cost

The average Ford Explorer auto insurance rates are $1,308 a year or $109 a month.


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Are Ford Explorers Expensive to Insure?

The chart below details how Ford Explorer insurance rates compare to other SUVs like the Acura MDX, Cadillac Escalade ESV, and Ford Edge.

VehicleComprehensiveCollisionLiabilityTotal
Ford Explorer$308$470$372$1,308
Acura MDX$376$562$372$1,468
Cadillac Escalade ESV$464$720$390$1,732
Ford Edge$266$500$372$1,296
BMW X3$376$656$372$1,562
Jeep Wrangler$280$376$420$1,256
Mercedes-Benz GLS 450$458$894$398$1,908

However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Explorer Insurance?

The Ford Explorer trim and model you choose will affect the total price you will pay for Ford Explorer insurance coverage.

Age of the Vehicle

Older Ford Explorer models generally cost less to insure. For example, auto insurance for a 2020 Ford Explorer costs $1,308, while the 2010 Ford Explorer insurance costs are $1,092, a difference of $216.

Model YearComprehensiveCollisionLiabilityTotal
2020 Ford Explorer$308$470$372$1,308
2019 Ford Explorer$294$452$390$1,294
2018 Ford Explorer$282$448$398$1,286
2017 Ford Explorer$272$436$416$1,282
2016 Ford Explorer$262$418$430$1,268
2015 Ford Explorer$248$404$442$1,252
2014 Ford Explorer$238$374$452$1,222
2013 Ford Explorer$230$352$456$1,196
2012 Ford Explorer$220$316$460$1,154
2011 Ford Explorer$206$292$460$1,116
2010 Ford Explorer$198$272$464$1,092

Driver Age

Driver age can have a significant impact on Ford Explorer auto insurance rates. As an example, a 40-year-old driver could pay $138 less each month for their Ford Explorer auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Ford Explorer insurance rates. For example, drivers in Phoenix may pay $720 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Ford Explorer auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Explorer auto insurance rates with violations on their driving record.

Ford Explorer Safety Ratings

Your Ford Explorer auto insurance rates are influenced by the Ford Explorer’s safety ratings. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideAcceptable
Small overlap front: passenger-sideNot Tested
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Ford Explorer Crash Test Ratings

The crash test ratings of the Ford Explorer can impact your Ford Explorer insurance rates.

Vehicle TestedOverallFrontalSideRollover
2020 Ford Explorer SUV RWD5 stars5 stars5 stars4 stars
2020 Ford Explorer SUV 4WD5 stars5 stars5 stars4 stars
2020 Ford Explorer PHEV SUV RWDN/RN/RN/RN/R
2020 Ford Explorer PHEV SUV 4WDN/RN/RN/RN/R
2020 Ford Explorer HEV SUV RWD5 stars5 stars5 stars4 stars
2020 Ford Explorer HEV SUV 4WD5 stars5 stars5 stars4 stars
2019 Ford Explorer 4 DR SUV FWD5 stars5 stars5 stars4 stars
2019 Ford Explorer 4 DR SUV AWD5 stars5 stars5 stars4 stars
2018 Ford Explorer 4 DR SUV FWD5 stars5 stars5 stars4 stars
2018 Ford Explorer 4 DR SUV AWD5 stars5 stars5 stars4 stars
2017 Ford Explorer 4 DR SUV FWD5 stars5 stars5 stars4 stars
2017 Ford Explorer 4 DR SUV AWD5 stars5 stars5 stars4 stars
2016 Ford Explorer 4 DR SUV FWD5 stars5 stars5 stars4 stars
2016 Ford Explorer 4 DR SUV AWD5 stars5 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford Explorer Safety Features

The numerous safety features of the Ford Explorer contribute to lower insurance rates. The 2020 Ford Explorer has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Ford Explorer Insurance Loss Probability

The lower percentage means lower Ford Explorer auto insurance rates; higher percentages mean higher Ford Explorer insurance rates. The Ford Explorer’s insurance loss probability varies for each form of coverage.

Insurance Coverage CategoryLoss Rate
Collision-20%
Property Damage-10%
Comprehensive-21%
Personal Injury-25%
Medical Payment-30%
Bodily Injury-18%
Source: Insurance Institute for Highway Safety

Ford Explorer Finance and Insurance Cost

If you are financing a Ford Explorer, most lenders will require your carry higher Ford Explorer coverage options including comprehensive coverage, so be sure to shop around and compare Ford Explorer insurance rates from the best auto insurance companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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5 Ways to Save on Ford Explorer Insurance

Drivers can end up saving more money on their Ford Explorer insurance rates by employing any one of the following strategies.

  • Don’t Assume your Ford Explorer is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Ford Explorer
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Get Ford Explorer Auto Insurance Through Costco
  • Improve Your Credit Score

Top Ford Explorer Insurance Companies

Who is the top auto insurance company for Ford Explorer insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Explorer auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Explorer offers.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Ford Explorer Insurance Quotes Online

You can start comparing quotes for Ford Explorer insurance rates from some of the best auto insurance companies by using our free online tool now.

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